Live Oak Bancshares, Inc.
LOBFinancial ServicesNASDAQBanks - Regional · Last scanned Jul 17, 2026
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Daily timeframeHeadquartered within the financial services sector, Live Oak Bancshares, Inc. focuses on Banks - Regional services and products. Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The $2.02B market capitalization puts LOB squarely in mid-cap range for its industry. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits.
Market Cap
$2.02B
Beta
1.88
P/E (TTM)
16.12
P/E (Fwd)
10.55
EPS (TTM)
$2.71
EPS (Fwd)
$4.14
ROE
10.9%
ROA
0.9%
Cash
$816.4M
Total Debt
$99.7M
Free CF
—
52W Change
35.6%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $816.4M in cash comfortably exceeding the $99.7M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. ROE of 10.9% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.9% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $391.9M (2022) to $541.2M (2025), reflecting a 38% increase over the period.
Live Oak Bancshares, Inc.'s elevated beta suggests the stock experiences more pronounced price movements than the overall market, which increases both upside potential and downside risk. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Live Oak Bancshares, Inc.'s trajectory.